RESPONSIBILITIES

• General JD
• Understand, acknowledge, and comply with the requirements on individual accountabilities and responsibilities of the job set out in applicable local laws and regulations as well as SCB internal policies.
• Effectively ensure and intensify internal controls by keeping abreast with developments of applicable local laws and regulations on accountabilities.
• Perform job duties with diligence, contribute to efforts as an individual or as a team member to avoid any actual or potential legal sanctions, regulatory penalties, material financial loss, or adverse reputational impact on the Bank.  
• Be responsible for failure to follow relevant rules and processes, failure to properly perform the responsibilities, and implement corrections.
• Cooperate with any investigations or reviews on regulatory failure such as accountability review.
• Fully understand the importance of Consumer Rights Protection, prevent damage to consumers’ best interest
• Implement regulatory requirements related to Consumer Rights Protection, ensure to complete relevant trainings.
• Always embed Consumer Rights Protection mindset when performing daily work
• Ensure timeliness and handle customer’s complaint properly

一般职位描述

• 理解、认同并遵守本地法律法规以及渣打内部政策中关于个人问责和职责的要求；
• 跟上本地问责法律法规的发展，以有效地确保并强化内控；
• 审慎勤勉地履行岗位职责，以个人或团队成员的身份，为避免任何导致银行遭受或可能遭受法律制裁、监管处罚、重大财务损失或声誉负面影响而做出努力；
• 对未遵守相关规范和流程、未适当履行职责以及未执行整改措施承担相应责任；
• 配合任何关于违反监管规定的调查或审查，例如，问责审查；
• 在日常工作中，充分理解保护消费者权益的重要性，防止损害消费者的利益；
• 在日常工作中，始终遵守与消费者权益保护相关的法规要求，且确保完成相关培训；
• 在日常工作中，始终谨记以保护消费者权益为基础执行工作；
• 及时、妥善地处理客户投诉。

Key Responsibilities: 

• Responsible for achieving the annualized premium and intermediate income targets of the branch's bancassurance business, as well as individual targets based on the PPIS scorecard.
• Develop the sales of bancassurance products.
• Responsible for the sales and tracking of bancassurance business in the sub, including but not limited to participating in sales interviews, completing sales processes, tracking business performance, analysing customer needs, reviewing insurance policies, sharing cases, and conducting sub-branch training.
• Use the concept of wealth planning, take customer needs as the guide, and study wealth management strategies. Provide professional, comprehensive and tailored insurance planning services and wealth inheritance solutions for PP customers.
• Participate fully in the bancassurance marketing activities of branches and coordinate with local insurance companies to hold customer activities.
• Analyses customers’ personal financial situation and identifies their needs in financial services; and recommends life insurance products and investment-linked products to best suit their needs.
• Implement various tasks arranged by the leader.
• Be responsible for implementing and complying with anti-money laundering requirements when performing their duties.
• Comply with the bank's internal process policies and relevant laws and regulations on the requirements for agency sales of insurance.

主要职责：

• 负责支行银行保险年化保费及中间收入目标以及基于PPIS平衡计分卡的个人目标的达成。
• 开展代销保险产品销售工作。
• 负责所辖支行银保业务的销售和追踪，包括但不限于参与客户面见，完成销售流程，业务绩效追踪，客户需求分析，保单检视，案例分享和支行培训等。
• 运用财富规划理念，以客户需求为导向，研究财富管理策略。为PP客户提供专业全面、量身打造的保险规划服务以及财富传承方案。
• 充分参与分支行银行保险营销活动，并协调当地保险公司合作举办客户活动。
• 分析客户的个人财务状况并确定他们对金融服务的需求； 并推荐最适合其需求的人身保险产品。
• 实现领导安排的各项工作。
• 在履行职责时负责实施和遵守反洗钱要求。
• 遵守银行内部流程政策及相关法律法规对代理销售保险的要求。

Strategy

• Responsible for branch’s Banca revenue target and their individual target based on PPIS scorecard.

Business

• Selling insurance products

Processes

• Responsible for Banca business tracking, which includes business performance tracking, portfolio analysis, successful story sharing and outstanding event broadcast. 
• Work closely with IA and timely update performance of Investment Linked Product (ILP) and market outlook. 
• Track and ensure Banca license effectiveness of RM. 

People & Talent

• Provide onsite training on Banca products to frontline to ensure annual 40-hour training required by regulator.

Risk Management

• Accountable for implementing and complying with AML requirements when performing duties.

Governance

• Compliance with local Regulators and laws – The role holder would be responsible for ensuring 100% compliance with the country laws and regulations. This would involve periodic review of the existing policies of Bancassurance 

Regulatory & Business Conduct

• Display exemplary conduct and live by the Group’s Values and Code of Conduct. 
• Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
• Effectively and collaboratively identify, escalate, mitigate, and resolve risk, conduct and compliance matters.
• Lead to achieve the outcomes set out in the Bank’s Conduct Principles

Key Stakeholders

• Branch Manager/RM/ARM/BDE/Service/Product Manager/IA/TS, etc.

Other Responsibilities

• The responsibilities above are applicable to both offline and online insurance business.
• 适用于全体员工 General Job Description applicable to all the roles 
• Understand, acknowledge and comply with the requirements on individual accountabilities and responsibilities of the job set out in applicable local laws and regulations as well as SCB internal policies 理解、认同并遵守本地法律法规以及渣打内部政策中关于个人问责和职责的要求.
• Effectively ensure and intensify internal controls by keeping abreast with developments of applicable local laws and regulations on accountabilities 根据本地问责法律法规的发展，以有效地确保并强化内控.
• Perform job duties with diligence, contribute to efforts as an individual or as a team member so as to avoid any actual or potential legal sanctions, regulatory penalties, material financial loss, or adverse reputational impact on the Bank 审慎勤勉地履行岗位职责，以个人或团队成员的身份，为避免任何导致银行遭受或可能遭受法律制裁、监管处罚、重大财务损失或声誉负面影响而做出努力.
• Be responsible for failure to follow relevant rules and processes, failure to properly perform the responsibilities, and implement corrections 对未遵守相关规范和流程、未适当履行职责以及未执行整改措施承担相应责任.
• Cooperate with any investigations or reviews on regulatory failure such as accountability review 配合任何关于违反监管规定的调查或审查，例如，问责审查。

Qualifications

• Education     University degree or above
• Training     Ale 36h & ilp 40h
• Licenses     需获得永久有效的《保险代理从业人员资格证书》（简称 ale 证书）、或通过保险公司组织的书面考试。
• Membership     Good communication and coaching skill 

Role Specific Technical Competencies

• Application ability of office software
• Banca business data analysis
• Training and presentation skills
• Sales ability of bancassurance
   

About Standard Chartered

We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.

Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.

Together we:

• Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
• Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
• Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

What we offer

In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

• Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
• Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.